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Things you can do to get cheaper car insurance


An average auto insurance premium costs from $800 to $1500 a year. This does not include the deductible when you file for a claim. With the economy right now, it is quite difficult for us to keep up with necessary bills such as these. So, we try our best to get the best rates, cheaper premiums, and more discounts as possible.

There are things though that will affect your auto insurance premium that you will not have the power over. These are some of the criteria that they look at when evaluating a car insurance application. Believe it or not, gender will affect your premium. If you are female, then you will have cheaper auto insurance than men. Also, if you are middle aged, you will have cheaper car insurance compared to teens and seniors. Statistics is the basis of car insurance companies for these criteria and because studies are able to identify which gender or age group is more likely to be involved in a car accident and who are high risk drivers.

However, there are also factors that you are able to manipulate or you have control of. Car insurance companies look at credit history. Make sure that you have a good credit score so they will be able to give you the best premium rate. And obviously, they will be reviewing your driving record and if you have gone through necessary courses for the development of your driving skills and knowledge. So, safe driving and taking and passing driving courses can actually give you cheaper car insurance.

Another thing that they will be evaluating would be the car that you are driving. Car insurance companies evaluate the make and model of the car they will be insuring. If it is a luxury car, you will have a higher premium, definitely. The reason for this is because luxury cars have more expensive parts and they can only be retrieved from the manufacturer and the repair costs thousands of dollars. In addition to that, expensive cars are more prone to theft. But if you have a not-so-new car and you can find its car parts in every car repair shop in the state plus they are less costly, then you are in for a cheaper rate. You can consult with your car insurance companies what are the brands and models that can help you a cheaper car insurance premium.

Mileage is also a factor that can affect your car insurance premium. The more distance you drive, the higher your premium. If you are out on the road almost every time, your risk level to car accidents is high but if you drive less, then the less likely that you will be in one. So, if you are really interested in getting cheaper car insurance, use your car less. If your grocery is just a few blocks away from your house, you might as well walk. Besides, it’s exercise!